So here is our family investments distributed across the asset classes. I have excluded Real Estate in this consideration. As I have mentioned earlier, I would like to include Real Estate as an Asset only when we have our second home. Including the current home, we live in Mumbai, will distort the asset pie as 3/4 pie will be in real estate category. The Debt asset class comes out largest, thanks to my Retierment savings. In the years to come, I need to channelize my savings in the Equity Asset class to improve overall returns. Looking at our Family profile, I would eventually like this distribution to be 35% Equity, 35% Real Estate & 15% each in Gold & Debt.
Gold & Cash are normally once category - Cash & Equivalent. I am tracking separately since home loan linked current account earns me a decent interest. Also, right now I am sitting on cash that I hope to deploy in next 6 months. Let's see.
Regards, Rohit
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